Citi Rewards+® Card Review – 20,000 Bonus Points and Big Rewards

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Overview

Citi Rewards+® Card, from our partner, is a unique personal card that combines many nice features in one card. It gives new card members a moderate bonus, rewards cardholders for everyday purchases, and offers 0% introductory APR on purchases and balance transfers for 15 months. All of these perks come with no annual fee. If you are just looking for a no-annual-fee credit card to earn decent rewards on your regular expenses, the Citi Rewards+® Card would be a good option.

  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 14.24% - 24.24%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 14.24% - 24.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro APR
0% on Purchases and Balance Transfers
Intro APR Period
15 months
Regular APR
14.24% - 24.24% (Variable)
Annual Fee
$0

Card Benefits

Sign-up Bonus

If you spend at least $1,500 in purchases on the credit card within your first 3 months of becoming a card member, you will receive a bonus of 20,000 ThankYou Points, which can be redeemed for $200 in cash rewards or gift cards at thankyou.com.

How to Earn Rewards

For a limited time, you will earn 5 ThankYou Points for each dollar spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou Points per dollar spent thereafter.

You will earn 2 ThankYou Points for every dollar you spend at supermarkets and gas stations for the first $6,000 per year and 1 point per $1 spent thereafter. You will also earn 1 ThankYou Point for every dollar you spend on all other purchases.

For example, if you spend $3,000 on gas, $3,000 on groceries, $8,000 on everything else in a year, you will receive 20,000 ThankYou rewards points, redeemable for $200 in cash rewards. You can use our rewards calculator to find out how many rewards points you may receive.

Spending CategorySpendingRewards Points
Gas$3,0006,000
Groceries$3,0006,000
Everything Else$8,0008,000
Total$14,00020,000
Citi Rewards+ Card Rewards Calculation Chart

Rounding up Rewards to the next 10 Points

Your rewards actually round up to the nearest 10 points on every purchase – with no cap. For example, you earn 10 points for a $2 purchase of coffee and earn 30 points for a $21 lunch. It means that in most circumstances, you will earn more rewards than the baseline rewards rates of 2 points per dollar for gas and groceries, and 1 point per dollar for everything else.

How to Redeem Rewards

Points can be redeemed for cash rewards or statement credit, gift cards, travel, or merchandise. Redemption for cash rewards starts at 5,000 points for $50. When you use points to redeem for gift cards, each point is worth 1 cent, which means that 100 points equals $1 in redemption value. Redemption for gift cards starts at 2,500 points for $25. There are a wide variety of popular gift cards that you can choose from at thankyou.com, such as Target, Home Depot, Lowe’s, Macy’s, GAP, Old Navy, Sephora, Legal Sea Foods, Red Lobster, Chili’s, etc. You can easily redeem the bonus points for a gift cards of your favorite retail store or restaurant.

Annual 10% Points Back

The Citi Rewards+® Card lets you receive 10% points back for the first 100,000 ThankYou® Points that you redeem per year. For example, if you redeem 15,000 points for the year, you get 1,500 points back, which can be redeemed later.

Additional Information

Fees and 0% Intro APR

This credit card has no annual fee. You can keep the card without having to pay an annual fee. It also lets you enjoy 0% introductory APR on purchases and qualified balance transfers for 15 months. After the intro period ends, the go-to rate of 14.24% - 24.24% (variable) applies. You can use it to carry a credit-card balance and pay no interest for an extended period of 15 months, as long as you make the monthly minimum payments.

Required Credit Rating

The Citi Rewards+® Card is for people with good or excellent credit scores.

Is this the right card for you?

If you are looking to earn straightforward rewards with well-rounded benefits, the Citi Rewards+® Card is one of the best credit cards for you. It offers a generous bonus of 20,000 points, redeemable for $200, and up to 5X rewards on purchases. It is the only credit card that automatically rounds up to the nearest 10 points on every purchase. It also lets you earn 10% bonus rewards points for the first 100,000 ThankYou Points you redeem per year. In addition, the Citi Rewards+® Card has no annual fee.

Similar Credit Cards

If you are interested in the Citi Rewards+® Card, you may also consider a few other credit cards with similar benefits.

Credit CardBonus and RewardsAnnual Fee
Bank of America Customized Cash Rewards Credit CardBank of America® Customized Cash Rewards credit card
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
  • $0
    Bank of America Travel Rewards Credit CardBank of America® Travel Rewards credit card
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
  • Unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
  • $0
    Bank of America Premium Rewards Credit CardBank of America® Premium Rewards® credit card
  • Receive 50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening.
  • Unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases.
  • $95
    Chase Sapphire Preferred CardChase Sapphire Preferred® Card
  • 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • $95
    Blue Cash Preferred Card from American ExpressBlue Cash Preferred® Card from American Express
  • $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • $0 introductory annual fee for the first year, then $95.
    (fees)
    Blue Cash Everyday Card from American ExpressBlue Cash Everyday® Card from American Express
  • $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations.
  • 1% Cash Back on other purchases.
  • $0
    (fees)
    Chase Freedom UnlimitedChase Freedom Unlimited®
  • Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • $0
    Chase Freedom FlexChase Freedom Flex℠
  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • $0
    Capital One Quicksilver Cash Rewards Credit CardCapital One Quicksilver Cash Rewards Credit Card
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Unlimited 1.5% cash back on every purchase, every day
  • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • $0

    Editorial Note: The editorial content on this page is prepared by CardBenefit staff. Opinions expressed herein are author's alone, not those of the bank, credit card issuer, airlines or hotels, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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